housing not having instaces

[Jojoya]

there is not enough houses and would like them similar to zones (ward 1 plot? instance 2)

You're basically asking for SE to add more wards. The wards are already instances of the type you're thinking about.

(zone congested try again later)

Which doesn't happen outside of a brief period when there's a major new content release affecting the housing servers or a specific ward getting slammed because of some huge venue event.

Those situations are very temporary and not a reason to not expand the amount of available housing.